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Shoosmiths/KPR/Nationwide credit card harrassment


sams88
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No, doesn't appear to be any reference to that at all. Its not a proper booklet or anything, just 5 photocopied pages stapled together.

 

Just wondered if anyone else had any advice? Worried about running out of time!! :sad:

 

http://i834.photobucket.com/albums/zz261/sams88_2009/terms2.jpg

http://i834.photobucket.com/albums/zz261/sams88_2009/terms3.jpg

http://i834.photobucket.com/albums/zz261/sams88_2009/terms4.jpg

http://i834.photobucket.com/albums/zz261/sams88_2009/terms5.jpg

 

Finally managed to post the terms & conditions............hope you can advise!

Many Thanks

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Whopeee.....

 

Look at page 3 across from the box highlighting yor cancellation rights. The default charges are all £12. This is the limit that the OFT set in 2006 for charges on credit cards at which they would not investigate the charges. Most companies immediately dropped their charges to this amount. Prior to the introduction of the £12 limit, much larger charges were applied. There is no way these terms & conditins were the ones applicable when you signed the application form in 1998.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Thanks for looking at these Docman.

Any suggestions on what I should be putting in writing to point these things out?

 

Hi All

 

Should I be putting in writing to Shoosmiths that I believe the copy thry have sent me is actually an application not an agreement?

Im also wondering whether to tell them im thinking of entering a DMP with CCCS?

 

I have written to Shoosmiths today avising that I think they have sent me a copy of my application & not my agreement, & also that I dont thinf the T & C's are the correct ones due to the £12 charges.

Thanks for pointing that out Docman, much appreciated!!!

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